Is it possible to add my name to a property deed if my husband pays the mortgage?

[Jikus]

Hi!

My husband and I have just bought a property and moved in. I gave money for the £28 500 deposit but we don't have a joint mortgage as I currently don't have any income, and I'm only planning to get a job. So now he owns the property and pays the mortgage. As far as I understand the lender won't add my name to a property deed unless I share the mortgage. Am I right? And the second question - is there a way to secure I will have my share of £28 500 back if we split or if he dies?

Thanks

Under current rules a non-earning spouse does reduce the amount you can borrow on a joint mortgage, but you can still have one.

The mortgage is in my name but the deeds have both our names on it. OH had to sign something for the mortgage company stating that he knew there was a mortgage on the property. Otherwise, an individual might try to get a mortgage on a property without the co-owner's knowledge.

You can be on the mortgage with no income, but it will reduce the borrowing (sometimes quite considerably)

In Scotland at least, you can't be on the deeds without being on the mortgage - the mortgage companies will not permit it. I bought my house 3 years ago and we looked in to it and took advice but it just wasn't possible for DH to be named. I believe it's a relatively recent change

Currently some mortgage Lenders will reduce the amount of the loan if there is a SAHP with the SAHP basically been treated as s dependent

In my view this is a very backward step

Most if not all lenders will not allow you to go on the deeds if you are not on the mortgage

It is not quite as bad if you are married but if you are unmarried partners it is very risky